Save for a rainy day or sunny vacation on your own terms

Online Savings

Our basic interest-bearing savings account gives you simple terms with convenient access.

  • No minimum balance
  • Competitive rates compounded daily
  • Minimum opening deposit of $25

Money Market

Our tiered-rate savings account helps you reach your savings goals faster.

  • Competitive tiered interest rates
  • Unlimited withdrawals and transfers in person or at First Citizens ATMsD
  • Minimum opening deposit of $500


Our range of flexible-term certificates of deposit let you earn a steady rate.

  • Higher interest rates
  • No monthly service fee
  • Minimum opening deposit of $500

Find out what it'll take to reach your financial goals

Payments & Transfers

Instantly move your money wherever you need it

Pay your bills from any device

Send money with Zelle®

Transfer funds to other accounts

Payments & Transfers

Instantly move your money wherever you need it

Pay your bills from any device

Payments & Transfers

Instantly move your money wherever you need it

Send money with Zelle®

Payments & Transfers

Instantly move your money wherever you need it

Transfer funds to other accounts

Home Equity Line of Credit

Put your home's equity to work

Tap into your home's equity for your next big purchase or renovation project.
Military Banking

Meeting the needs of those who serve

Our military accounts help you manage your financial life from anywhere your job takes you.


The same secure banking you've come to rely on us for in person, online

Security Alerts

We'll automatically send you alerts if your account credentials change.

Card Freezes

Temporarily freeze or unfreeze your card if it's lost or stolen, or if you suspect fraud.

Advanced Security

Rest assured that all your confidential account information is protected.


Your money is insured by the Federal Deposit Insurance Corporation.


People often ask us

It depends on your savings goals. You can see all of our traditional savings accounts in our savings account comparison chart. If you're looking to save money for college or prepare for retirement, check out our college savings account and retirement account comparison charts. Whether you have $100 or $10,000 to save, we have an account that can help you reach your savings goals.

Interest is compounded daily and paid monthly. Interest rates may change daily.

Yes. You can set up automatic deposits to any of our savings accounts

Yes. You can use your debit or ATM card to make deposits, transfers and withdrawals up to the regulatory limit.

Account openings and credit are subject to bank approval.

For complete list of account details and fees, see our Personal Account Disclosures.

Federal regulations limit (i) third-party transactions (e.g., checks, drafts and debit card purchases); (ii) pre-authorized or automated transfers (including ACH and overdraft protection transfers); (iii) transfers made by personal computer (including online banking or bill payment services); and (iv) telephone transfers (including facsimile or data transmission) from your account to six per month. You may make unlimited withdrawals or transfers in person, by mail, or through an ATM. There is a per item charge, which is disclosed under each account type, for transfers or withdrawals over certain limits. Continued third-party transactions or pre-authorized transfers, over the regulatory limit, will result in the money market account or savings account being closed or converted to a checking account.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.